Best salary account for 80k per month in 2025

[Pavan_D]

Hey everyone!

Could someone help me figure out best salary account for 80k to 90k per month
I’m looking for benefits like below
best ltf credit cards
merchant discounts on debit cards

I’m not a frequent traveler
So I don’t need lounge access and forex etc

 

[Anupama_Jha]

HDFC followed by Axis and ICICI or IDFC.

SBI

 

[SpaceBar]

Hey everyone!

Could someone help me figure out best salary account for 80k to 90k per month
I’m looking for benefits like below
best ltf credit cards
merchant discounts on debit cards

I’m not a frequent traveler
So I don’t need lounge access and forex etc

Go for HDFC and request Millennia Debit Card (Get 400 per month, annual fee 500 + GST), also open Kotak811 for 5% upto 500 on shopping, movies, eat out and more per month (card is free if you load 81K once and 5K per month, you can withdraw after they open your account, not take more than 2 hour). Since it is salary account, mostlikely HDFC also give you Millennia FYF/LTF. With this cards
1. 5% cashback almost anything using smartbuy gyftr via gift vouchers
2. 5% cashback on Amazon, Flipkart, Myntra and more
3. 1% for all other

 

[Pavan_D]

Go for HDFC and request Millennia Debit Card (Get 400 per month, annual fee 500 + GST), also open Kotak811 for 5% upto 500 on shopping, movies, eat out and more per month (card is free if you load 81K once and 5K per month, you can withdraw after they open your account, not take more than 2 hour). Since it is salary account, mostlikely HDFC also give you Millennia FYF/LTF. With this cards
1. 5% cashback almost anything using smartbuy gyftr via gift vouchers
2. 5% cashback on Amazon, Flipkart, Myntra and more
3. 1% for all other

Thanks for detailed explanation

 

[VasukiVasuki is verified member.]

Hey everyone!

Could someone help me figure out best salary account for 80k to 90k per month
I’m looking for benefits like below
best ltf credit cards
merchant discounts on debit cards

I’m not a frequent traveler
So I don’t need lounge access and forex etc

Go with icici salary account

Get icici cc core or try apay cc first .
These are great ltf card
Apay icici being mosy sort after card in industry for long .

Plus use hdfc as primary saving account with most saving money . both will reap benefits
If you get pre approved in hdfc take nothing less than millniea/ regalia first / gold ..
Only core card

 

[AllThatStuff]

You can open Axis Liberty Salary account. Search the forum for benefits of Axis Liberty account!!

 

[VasukiVasuki is verified member.]

You can open Axis Liberty Salary account. Search the forum for benefits of Axis Liberty account!!

It's dead 💀

 

[Pavan_D]

I don’t know why but I don’t like axis bank 😬. I agree it has some good credit cards tbh

 

[Pavan_D]

Go with icici salary account

Get icici cc core or try apay cc first .
These are great ltf card
Apay icici being mosy sort after card in industry for long .

Plus use hdfc as primary saving account with most saving money . both will reap benefits
If you get pre approved in hdfc take nothing less than millniea/ regalia first / gold ..
Only core card

I have salary in hdfc and also hdfc mellinia paid and Swiggy paid
I took hdfc salary when I used to get 25k per month

Now I’m rethinking about hdfc salary account as salary is getting increased but I don’t see any benefits grow as my salary increases

 

[Pavan_D]

Should I consider shifting to icici?

 

[VasukiVasuki is verified member.]

Should I consider shifting to icici?

Yes . . .

 

[AllThatStuff]

It's dead 💀

agree to disagree!

 

[Wealth is my birth right!]

I have salary in hdfc and also hdfc mellinia paid and Swiggy paid
I took hdfc salary when I used to get 25k per month

Now I’m rethinking about hdfc salary account as salary is getting increased but I don’t see any benefits grow as my salary increases

For salary account did u get dc atleast free?

 

[Pavan_D]

For salary account did u get dc atleast free?

That is obvious got millinia dc free

 

[Wealth is my birth right!]

That is obvious got millinia dc free

So monthly gaining 400/- bucks great

 

[Pavan_D]

So monthly gaining 400/- bucks great

Y e s